Jamyang Chophel
Perth,WA
Summary
Dedicated Credit Officer knowledgeable about assessing financial documents, organizing applications, and providing recommendations for approval or disapproval. Meticulously organized and systematic with strong judgment and critical thinking skills. Looking for a permanent role with room for career growth.
Overview
9
9
years of professional experience
Work History
Credit Officer
Bhutan National Bank Limited
Thimphu, Bhutan
02.2019 - 06.2022
- Collaborated closely with sales teams to understand their needs while ensuring sound risk management practices were followed.
- Conducted regular reviews of existing customers' accounts to ensure compliance with agreed terms.
- Provided guidance and advice on credit management practices to internal stakeholders.
- Reviewed credit applications and financial statements to determine customer creditworthiness.
- Performed periodic audits on customer accounts in order to verify accuracy of information provided by applicants.
- Collected and checked borrower income, credit history and employment information.
- Cultivated and maintained comprehensive industry knowledge to assess risk solutions and maximize returns.
- Recommended approval or disapproval of different loan types based on established criteria.
- Prepared and submitted loan applications to underwriters.
- Examined collateral to establish market value and assessed repayment capacity using secondary revenue sources before loan approval.
Accounts Officer
Bhutan National Bank Limited
Thimphu, Bhutan
12.2013 - 06.2016
- Organized filing system for account documents such as invoices, receipts.
- Processed invoices and payments to suppliers promptly and accurately.
- Prepared monthly financial reports for the management team.
- Collaborated with team members to complete projects within established deadlines.
- Coordinated the preparation of year-end audit materials for external auditors.
- Reviewed and reconciled accounts payable and receivable records.
- Reconciled accounts and resolved discrepancies in a timely manner.
- Conducted audits of expense claims and other documents as required.
- Resolved payment discrepancies with vendors and suppliers.
- Assisted in preparing budgets, forecasts and cash flow statements.
Education
MBA - Finance
Vellore Institute of Technology
Vellore, India04-2019
BBA - Accounting
Gaeddu College of Business Studies
Chukha, Bhutan07-2013
MPA (Advanced) - Accounting
Murdoch University
PerthSkills
- Portfolio Management
- Credit assessments
- Documentation Management
- Documentation Review
- Credit analysis
- Loan disbursements
- Data Interpretation
- Compliance reviews
Timeline
Credit Officer
Bhutan National Bank Limited
02.2019 - 06.2022
Accounts Officer
Bhutan National Bank Limited
12.2013 - 06.2016
MBA - Finance
Vellore Institute of Technology
BBA - Accounting
Gaeddu College of Business Studies
MPA (Advanced) - Accounting
Murdoch University
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